IDFC HPCL Power+

Entry-level RuPay fuel card for HPCL loyalists.

Apply on IDFC FIRSTIDFC

You'll apply on IDFC FIRST

IDFC FIRST Bank HPCL Power Plus Credit Card

Fuel

5% value back on HPCL fuel up to Rs 12K/statement

UPI

RuPay Select card works for eligible UPI spends

Utilities

5% value on groceries, utilities and FASTag within caps

Fee

Rs 499 + GST, waived at Rs 1.5L spends

HP Pay

Partner rewards/surcharge depend on live HPCL terms

5% HPCL

RuPay UPI

RSA 4x/year

5% on HPCL fuel

Earn 30 RP per Rs 150 on HPCL fuel, around 5% value back, capped at Rs 12,000 fuel spend per statement.

HP Pay upside

HP Pay Happy Coins are a separate HPCL programme. Check current HPCL eligibility, reward caps and surcharge before using the route; additional bank cashback is not guaranteed

RuPay UPI support

The RuPay Select variant can be linked to UPI for eligible fuel, grocery and utility payments.

Everyday 5% caps

Utilities, groceries and IDFC FASTag earn 30 RP per Rs 150 within their statement-cycle spend caps.

Lounge access

Get 1 domestic lounge visit per quarter after spending Rs 20,000 in the previous calendar month.

Roadside assistance

Complimentary roadside assistance is available 4 times per year, a strong add-on at this fee level.

IDFC HPCL Power+: fees & key facts

IDFC HPCL Power+ credit card fees and key facts
Eligibility	Age 21 years and above, annual income above Rs 3 lakh; you can apply even if you already hold another IDFC FIRST credit card, with a shared credit limit
Network	RuPay Select
Joining fee	Rs 499 + GST, approximately Rs 589 after GST
Annual fee	Rs 499 + GST; waived on Rs 1.5 lakh yearly spend
Welcome benefit	Rs 500 voucher on first HPCL fuel transaction of Rs 500 or more; eligible voucher choices include Amazon Pay, BigBasket, Uber and Lifestyle
HPCL fuel rewards	30 RP per Rs 150, around 5% value back, capped at Rs 12,000 HPCL fuel spend per statement
Utilities and groceries	30 RP per Rs 150, around 5% value back, capped at Rs 2,000 spend per statement
IDFC FASTag	30 RP per Rs 150, around 5% value back, capped at Rs 1,000 spend per statement
Other retail	3 RP per Rs 150, around 0.5% value back, with no stated cap
No rewards	No rewards on non-HPCL fuel, insurance and EMI transactions
HP Pay rewards	HP Pay Happy Coins are a separate HPCL programme. Check current HPCL eligibility, reward caps and surcharge before using the route; additional bank cashback is not guaranteed
HP Pay note	No bank fuel surcharge waiver. Any HP Pay charge and Happy Coin benefit depend on the current partner programme
UPI	RuPay card can be linked for UPI payments, including eligible HP Pay QR, grocery UPI and utility bill payments
Redemption value	1 Reward Point = Rs 0.25, redeemable as statement credit or options like vouchers, flights and hotels
Redemption fee	Rs 99 + GST, making it more efficient to accumulate points before redeeming
Domestic lounge	1 domestic lounge visit per quarter; spend Rs 20,000 in the previous calendar month to unlock lounge access for the next month
International lounge	Not available
Roadside assistance	Complimentary roadside assistance 4 times per year
Movie offer	25% off up to Rs 100 on District, once per month
Fuel surcharge waiver	Not available

Public issuer terms checked 3 October 2026.

IDFC FIRST Power+ product update

Who should get it

IDFC FIRST HPCL Power+ is one of the stronger entry-level fuel cards for HPCL users, especially if monthly HPCL fuel spends sit around Rs 8,000 to Rs 12,000.

The card combines 5% value back on HPCL fuel within caps, RuPay UPI support, grocery/utility/FASTag rewards, roadside assistance and domestic lounge access at a low Rs 499 + GST fee.

The biggest caveat is the missing fuel surcharge waiver. The surcharge reduces returns by about 1% plus GST, so compare the final merchant charge and stay inside the reward caps.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Non-HPCL fuel
Insurance payments
EMI transactions

Eligible HPCL fuel, utility, grocery and IDFC FIRST FASTag transactions use their own earning rates and caps, including payments made through eligible UPI routes. The product update should be read with the bank’s full rewards terms.

Checked 3 October 2026IDFC FIRST Power+ product update

IDFC HPCL Power+ FAQs

Is IDFC HPCL Power+ good for fuel spends?

Yes, especially for HPCL users spending around Rs 8,000 to Rs 12,000 per month. The card gives 5% value back on HPCL fuel within caps, plus extra HP Pay rewards.

What is the annual fee of IDFC HPCL Power+?

The joining and annual fee is Rs 499 plus GST. The annual fee is waived at Rs 1.5 lakh yearly spend.

Does IDFC HPCL Power+ work on UPI?

Yes. It is issued on the RuPay Select network, so it can be linked for eligible UPI transactions.

Does IDFC HPCL Power+ offer a fuel surcharge waiver?

No. The card does not offer a fuel surcharge waiver, so fuel returns reduce by about 1% plus GST.

What lounge access does IDFC HPCL Power+ include?

It includes 1 domestic lounge visit per quarter. You need to spend Rs 20,000 in the previous calendar month to unlock lounge access for the next month.

How can reward points be redeemed?

1 Reward Point is worth Rs 0.25. Points can be redeemed as statement credit or for options such as vouchers, flights and hotels, with a Rs 99 + GST redemption fee.

Application links on this page may earn Book1A an incentive at no extra cost to you — see our affiliate disclosure.